1. The document proposes a new secured online payment system that uses text-based steganography and visual cryptography to minimize sensitive customer information shared with online merchants. 2. It works by having a central Certified Authority that splits a customer's authentication information into two shares - one kept by the customer and one by the Authority. During payment, the shares are combined to recover the authentication information. 3. The system aims to enhance security and privacy by sharing only the minimum necessary information for payment verification, preventing misuse of customer data if merchant databases are breached.

1. International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395 -0056
Volume: 04 Issue: 03 | Mar -2017 www.irjet.net p-ISSN: 2395-0072
© 2017, IRJET | Impact Factor value: 5.181 | ISO 9001:2008 Certified Journal | Page 239
Secured Online Payment System
1Swapna B Sasi, 2Aaditya Anil, 3Arjun T A, 4Harry John
1AP, CSE Department, Jyothi Engineering College, Kerala, India
2 3 4 Students, CSE Department, Jyothi Engineering College, Kerala, India
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Abstract - Online payment system allows money
transfers to be made only through internet instead
of using cash or a check, in person or by mail.
Nowadays there is a tremendous growth in online
payment throughout the world, so the E-shopping
users are facing more problems. The main problem
is security. We provide secured online payment
system through various techniques. The main
techniques used are Steganography, Visual
Cryptography and OCR. This paper presents a new
approach for providing limited information only
that is necessary for fund transfer during online
shopping.
Key Words: Information security; Steganography;
Visual Cryptography; Online shopping
1. INTRODUCTION
In this busy world most of us prefer doing online shopping
and online payment. Since there is no waste of time in this
process a tremendous growth in online payment has been
seen throughout the world. Online shopping security is a
concern for everyone who makes purchases on the Internet,
but it is also an important issue for business leaders — and
not just those in the retail sector. Firms go for online
shopping, and their employees frequently make business
purchases on the company credit card. So, the attackers
mainly focus on this process and e-shopping usersarefacing
more problem. Security is the main problem behind this
system. Online payment is an electronic payment for goods
or services electronically without using cash or check in
person or by mail. It could be achieved through different
modes. Different modes are Debit card,Creditcard,E-money
and Electronic fund transfer. Since there is less security by
using this type of payment, we provide a secure payment by
using different technologies [4].
This paper consist of a new proposed system, that
uses text based steganography [2] and visual cryptography
[1]. It provides only limited information that isnecessary for
fund transfer during online shoppingandthereby protecting
customer data and increasing customer confidence and
preventing identity theft [4]. Optical character recognition
also known as OCR [7] is used to convert the typed, printed
or handwritten text into encoded machine text. It can be
used in machine translation, text-to-speech and text mining.
The method proposed is specificallyforE-Commercebutcan
easily be extended for online as well as physical banking.
2. STEGANOGRAPHY AND VISUAL CRYPTOGRAPHY
Steganography is a practice of hiding a secret message
within an ordinary message and the extraction of it at its
destination. Steganography takes cryptography a step
farther by hiding an encrypted message such that no one
suspects it exists. Ideally, anyone scanning yourdata will fail
to know it contains encrypted data. The messages could be
hidden under image, audio, video, text.
The text based steganography [2] technique is based on
Vedic Numeric Code. Frequencyoflettersin Englishalphabet
in conjunction with Vedic Numeric Code is used for the
steganography technique. No separate importance is given
for vowels and consonants. Text steganography[2]usestext
as a cover media for hiding message. Message can be hidden
by shifting word and line in the open spaces and in word
sequence. Sentence properties such as number of words,
number of characters and number of vowels and position of
a vowel in a word are also used to hide secret message. The
advantage of choosing text steganography over other
steganographic technique [12] is its smaller memory
requirement and simpler communication.
Visual cryptography (VC)[5][10] was brought out by Moni
Naor and Adi Shamir at EUROCRYPT 1994. It is used to
encrypt written material (printed text, handwritten notes,
pictures, etc) in a perfectly secure way. The decoding part is
done by the human visual system directly, without any
computation cost. Using k out of n (k,n) visual secret sharing
scheme [11], a secret imageisencodedintonshadowimages
called shares [8][9], in which each participant in P receives
one share. The original message is visible if any k or more of
them are stacked together, but totally invisible if fewer than
k transparencies are stacked together.

2. International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395 -0056
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© 2017, IRJET | Impact Factor value: 5.181 | ISO 9001:2008 Certified Journal | Page 240
3. PROPOSED TEXT BASED STEGANOGRAPHY METHOD
In this paper, Steganography uses characteristics of English
language such as inflexion, fixed word order and use of
periphrases for hiding data rather than using propertiesofa
sentence. This gives more flexibility and freedom from the
point view of sentence construction but it increases
computational complexity.
3.1 ENCODING
Encoding involves the use of a code to change original data
into a form that can be used by an external process. Thetype
of code used for converting charactersisknownasAmerican
Standard Code for InformationInterchange(ASCII),the most
commonly used encoding scheme for files that contain text.
ASCII contains printable and nonprintable characters that
represent uppercase and lowercase letters, symbols,
punctuation marks and numbers. A unique number is
assigned to some characters.
 Each letter is represented in secret message by its
equivalent ASCII code.
 ASCII code is converted to equivalent 8 bit binary
number.
 8 bit binary number is divided into two 4 bit parts.
 Suitable letters arechosenfromTable1corresponding
to the 4 bit parts [1].
 Meaningful sentence is constructed by using letters
obtained as the first letters of suitable words.
 Encoding is not case sensitive.
3.2 DECODING
Decoding is the opposite process -- the conversion of an
encoded format back into the original sequence of
characters.
 Representation of corresponding 4 bit number by
taking the first letter in eachwordofcovermessage.
 4 bit binary numbers are combined to obtain 8 bit
number.
 ASCII codes are acquired from 8 bit numbers.
Finally secret message is restored from ASCII codes
Table -1: Number Assignment
Letter Number
Assigned
Letter Number
Assigned
E 15 M 7
A 14 H 7
R 13 G 6
I 13 B 5
O 12 F 4
T 11 Y 4
N 11 W 3
S 10 K 3
L 10 V 3
C 9 X 2
U 8 Z 2
D 8 J 1
P 7 Q 0
4. PROPOSED PAYMENT METHOD
In the proposed payment systemsolution,informationtothe
online merchant submitted by the customer is minimized by
providing only minimum information that verifies only the
payment made by the said customer from its bank account.
This is attained by the introduction of a central Certified
Authority (CA) [3] and combined application of
steganography and visual cryptography [1] [10]. The
information accepted by the merchant can be in the form of
account number related to the card used for shopping.
The information will only validate receipt of payment from
authentic customer. In the proposed method, the user first
need to register by entering his account no and password
including other details. By registering he/she will get the
certificate. It contains the customer unique authentication
password in connection to the bank which is hidden insidea
cover text using the text based steganography method by
using LSB (Least Significant Bit) algorithm [6]. This process
is shown in Figure 1.
The LSB based image steganography embeds the secret
message in the least significant bits of pixel values of the
cover text. In the LSB approach, the basic idea is to replace
the Least Significant Bits (LSB) of the cover text withthebits
of the messages to be hidden without destroying the
property of the cover text significantly. Customer

3. International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395 -0056
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© 2017, IRJET | Impact Factor value: 5.181 | ISO 9001:2008 Certified Journal | Page 241
authentication information that is the account no in
connection with merchant is placed above the cover text in
its original form. Now a snapshot of two texts is taken as
shown in Figure 2. From now one share is kept by the
customer and the other share is kept in the database of the
certified authority as shown in Figure 3 and Figure 4. Figure
5 shows the result of combining share 1 and share 2.
Fig -1: Architectural Diagram
During online shopping, after selection of desired
item and adding it to the cart, preferred payment system of
the merchant directs the customer to the CertifiedAuthority
portal. In the portal, shopper or the customer submits
his/her own share and the merchant submits its own
account details. Now the CA combines its own share with
shopper’s share and obtains the original image.
From CA now, merchant’s account details, cover text are
sent to the bank where customer authenticationpasswordis
recovered from the cover text. This is done by OCR
technology [7] [15]. OCR (optical character recognition) is
the recognition of printed or written text characters by a
computer. This involves photo scanning of the text
character-by-character, analysis of the scanned-in image,
and then translation of the character image into character
codes, such as ASCII, commonly used in data processing.
Customer authentication informationissenttothemerchant
by CA. After receiving customer authentication password,
bank matches it with its own database and after verifying
legitimate customer, then the bank transfers fund from the
customer account to the submitted merchant account.
Finally when the merchant receives the fund, then
merchant’s payment system authorizes receipt of payment
using customer authentication information.
One problem is that CA does not know to which bank to
forward the cover text obtained from combining twoshares.
It can be solved by appending 9 digit routing or transit
number of bank with customer authentication information.
5. ADVANTAGES
 Provides high security due to the usage of 2
techniques viz, Steganography and Visual
Cryptoraphy [1].
 Proposed method minimizes customer
information sent to the online merchant. So in
case of a breach in merchant’s database,
customer doesn’t get affected. It also prevents
unlawful use of customer information at
merchant’s side.
 Presence of a fourth party [3], CA, enhances
customer’s satisfaction and security further as
more number of parties is involved in the
process.
 Usage of steganography ensures that the CA
does not know customer authentication
password thus maintaining customer privacy.
 Cover text can be sent in the form of email from
CA to bank to avoid rising suspicion. Since
customer data is distributed over 3 parties, a
breach in single database can easily be
contented.
Fig -2: Snapshot account no and cover text.

4. International Research Journal of Engineering and Technology (IRJET) e-ISSN: 2395 -0056
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© 2017, IRJET | Impact Factor value: 5.181 | ISO 9001:2008 Certified Journal | Page 242
Fig -3: Share 1 kept by customer.
Fig -4: Share 2 kept by CA.
Fig -5: Overlapping of share 1 and share 2.
6. METHOD EXTENSION
The present system is developed in such a way that it can
undergo future enhancements in an efficient manner. Now
the password is converted using encoding technique
whereas in future, encryption techniques can be
implemented to make the system more secured. A mobile
application can also be build so that users will be more
comfortable in using it. The payment system can also be
extended to physical banking. In addition to customer
authentication password, shares may contain customer
image or signature. In the bank, customer submits its own
share and customer’s physical signature is validated against
the signature obtained by combining customer’s share and
CA’s share along with validation of customer authentication
password. It prevents misuse of stolen card and stops
illegitimate customer.
7. CONCLUSIONS
The traditional approaches in online payment system
somehow do not allow necessary secrecy totheusers.Inthis
paper online payment system is proposed bycombining text
based Steganography and visual cryptography [1]. It
provides customer data privacy and prevents misuseofdata
at merchant’s side. This paper proposes a steganographic
algorithm for hiding text files in images. The visual
cryptography is used for secret sharing of images. The CA
will control the encoding and decoding processes. OCR
technology [13] is used for identifying texts and characters
from images and this OCR technology method is concerned
only with prevention of identity theft and customer data
security. In comparison to the banking application which
uses steganography and visual cryptography they are
basically applied for physical banking. Not only for physical
banking, the proposed method can be applied for e-
commerce which focuses on payment during online
shopping as well as physical banking.
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